Credit Cards Secured Credit Card

Start or rebuild your credit history.

Mastercard Secure

Perfect for a first-time credit card or for those wanting to build credit

Platinum Secure Mastercard® helps build your credit history with monthly reporting to all 3 major credit bureaus. Plus, there’s no annual fee, no balance transfer fee, and no over-limit fee.APR is the Annual Percentage Rate. Platinum Secure Mastercard. No annual fee and no balance transfer fee. Cash Advance fee is 5.00% per transaction. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer subject to change without notice and may end at any time. As of 8/1/2021, the standard variable APR is 18.00%. Foreign transaction fee is 1.00%. All loans are subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures.

Interest Rates & Fees Summary

APRAnnual FeeBalance Transfer Fee
18%APR is the Annual Percentage Rate. Platinum Secure Mastercard. No annual fee and no balance transfer fee. Cash Advance fee is 5.00% per transaction. Late payment fee up to $40. Interest on cash advances will be charged by the member’s standard APR on the balance from the date of the transaction. Offer subject to change without notice and may end at any time. As of 8/1/2021, the standard variable APR is 18.00%. Foreign transaction fee is 1.00%. All loans are subject to credit approval and restrictions may apply. Membership with Arkansas Federal Credit Union is required. Full Credit Card Account Agreement and Disclosures. $0$0

Security & Benefits

illustration of credit cards

$0 Liability.

You won’t be held responsible for unauthorized charges made with your account or account information.Certain restrictions apply. See www.mastercard.us/zero-liability for details.

Illustration of woman with lock

Card Defend

With the touch of a button, decide when, where, and how your credit card is used with Card Defend.

illustration of man holding phone

Digital Wallet

Instead of carrying your card around, securely store it in your phone’s digital wallet for quick checkouts in-store or online.

Other Benefits

Identity Theft Resolution Services
Should you become the victim of Identity Theft, Mastercard will assist you with credit bureau notification and debit card replacement and provides you with an ID Theft Affidavit.Certain restrictions apply. For details, see the Guide to Benefits.

Mastercard® Global ServiceTM
Receive around-the-clock customer service assistance with lost or stolen card reporting, emergency card replacement, as well as assistance with locating ATMs and other card-related questions.Certain restrictions apply. For details, see the Guide to Benefits.

Mastercard® Priceless® Cities
Provides access to unforgettable experiences in the cities where you live and travel, such as access to special events, restaurants, museums, and tours.Certain restrictions apply. For details, see the Guide to Benefits.

Mastercard® Airport ConciergeTM
Arrange for a personal, dedicated meet-and-greet agent to escort you through the airport on departure, arrival, or any connecting flights.Certain restrictions apply. For details, see the Guide to Benefits.

Authorized User
Share the convenience of your card with another authorized user. When you give them access to your account, they get their own personal card and can enjoy the same perks you do.

Go Cashless

When you add Apple PayGoogle Pay or Samsung Pay to your credit or debit card, you not only save time at checkout, your payments are safer. Click the logos below for information on how to get started.

Apple Pay
Samsung Pay
Google Pay

Get Started

Apply online in under 10 minutes.
Have questions? Call us at 800.456.3000 or visit your local branch.